The deadline for Hurricane Irma survivors in all 48 designated Florida counties to register for FEMA individual disaster assistance has been extended to Nov. 24, 2017. Advice and assistance is available from a variety of resources, and FEMA representatives are available in hardware stores in some Florida counties (see chart below).

As you rebuild after Hurricane Irma, here’s advice from FEMA for steps you can take to make your home or business more resilient to future disasters.
The first step is to obtain any necessary permits and follow all local building codes when rebuilding or making repairs. Contact your local code officials before beginning any construction to ensure you will meet all local building requirements.
There are resources available to help you build back stronger and safer after a disaster. Next to insurance, the U.S. Small Business Administration (SBA) is the primary source of money for the long-term rebuilding of your disaster-damaged private property.
You also may be eligible for assistance to rebuild stronger and safer if you have a National Flood Insurance Program (NFIP) policy. Increased Cost of Compliance (ICC) may provide additional funding to help you repair or rebuild your home.

SBA Low-interest Disaster Loans

 After registering with FEMA, you may apply for an SBA low-interest disaster loan. Go online using the Electronic Loan Application via SBA’s secure website at You also may visit a FEMA disaster recovery center and meet with an SBA representative in person. To locate the nearest center, call the FEMA Helpline at 800-621-3362, use the FEMA app for smart phones or go online to
If SBA determines you are eligible for a loan, you are under no obligation to accept it.

SBA Mitigation Loans

If you accept a low-interest disaster loan, you may be eligible for additional funds from SBA to cover the cost of improvements that will protect your property against future damage. Examples of mitigation improvements include retaining walls, seawalls, sump pumps, and even safe rooms and storm shelters.
SBA mitigation loan money would be in addition to the amount of the approved low-interest disaster loan, but may not exceed 20 percent of the total amount of physical damage to real property, as verified by SBA, to a maximum of $200,000 for home loans. SBA approval of the mitigating measures will be required before any loan increase.

Increased Cost of Compliance

If you have a NFIP flood insurance policy and a substantially damaged building in a Special Flood Hazard Area you may be able to use additional funds from your policy (up to $30,000) to help defray the costs of elevating, relocating or demolishing a structure to bring the building into compliance with state or community floodplain management laws or ordinances. This funding is known as Increased Cost of Compliance (ICC).
Substantial damage is a term used by NFIP. You should contact your local building official to find out why or how a substantial damage determination was made on a structure affected by Hurricane Irma.
Your claims adjuster or insurance agent will be able to provide more information on ICC. You may also get details online at Increased Cost of Compliance Coverage: How You Can Benefit.
You may register for FEMA assistance online at or through the FEMA App, or by calling 800-621-3362. People who have a speech disability or hearing loss and use TTY should call 800-462-7585. For those who use 711 or Video Relay Service (VRS), call 800-621-3362.
These toll-free telephone numbers will operate from 7 a.m. to 11 p.m. (EST) seven days a week until further notice. For more recovery information, visit, or follow us @FEMARegion4 on Twitter and on FEMA’s Facebook page.

FEMA Specialists On Hand In Local Hardware Stores

FEMA mitigation specialists will be available in various locations to offer home improvement tips and techniques, proven methods to prevent or reduce damage from future disasters and approaches to building hazard-resistant homes. This information is for everyone. Topics covered include flood insurance, elevating utilities and rebuilding flooded homes.

Free reference booklets with information on preventing and reducing damage from future disasters will be available. More information about strengthening property can be found at

FEMA advisors will be available at the following stores and dates:






2050 U.S. Highway 27 North
Sebring, FL  33870

Oct. 30 – Nov. 11

7:30 a.m. – 6 p.m.


10070 Estero
Town Commons Place
Estero, FL  33928

Oct. 30 – Nov. 11

7:30 a.m. – 6 p.m.


9191 SW 137th Ave.
Miami, FL  33186

Oct. 30 – Nov. 11

7:30 a.m. – 6 p.m.


1300 Osceola Parkway W
Kissimmee, FL 34741

Oct. 31 – Nov. 11

7:30 a.m. – 6 p.m.

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